“Rubin and Rothman Ruined My Credit With Collection Items, So I Turned to Lexington Law to Repair My Credit Fast!”

Read My True Story If You Need to Remove Collection Items, Repair Your Credit, and Get Back on Track With Your Life

Bad credit is embarrassing. You feel like you can’t do all the normal things that a responsible adult should be able to do, such as buying a house, leasing a car, or getting financing for other important life events.

Aggressive debt collectors like Rubin and Rothman only make matters worse. They call your house constantly, send piles of mail, and sometimes even threaten you with legal action. Facing this kind of intimidation makes it even harder to gather the self-confidence and hope that you will need in order to get your act together and recover financially.

Before you do ANYTHING regarding your debt collection problem, there are a few things you should understand. I sure wish someone had told me about these things when I was struggling with Rubin and Rothman!

First of all, you need to understand how the debt collection process works, and how debt collectors think.

Debt collection companies buy defaulted loans from credit card companies, banks, stores, and other creditors. They pay only a small percentage of the loan’s true value, but they expect you to repay the full amount, plus interest and fees! This margin between the price they paid and the price you will pay is how debt collectors make their money.

Debt collection agents work on commission. If their company doesn’t get paid, they don’t get paid either. So obviously debt collectors are highly motivated to make you repay your debt. There is absolutely no incentive for them to actually listen to your tale of woe or make any exceptions or allowances for your individual case. Don’t waste your time trying to gain the sympathy of your debt collector. It simply won’t work!

By the time you’ve defaulted on a loan, it should be pretty obvious that you’re experiencing tough financial times and probably don’t have any cash to spare. Debt collectors do understand this. However, they hope that by leaning on you hard and using various tactics of intimidation, they can scare you into diverting any funds you do happen to have into their pockets.

Tactics commonly used by debt collectors include calling your home every day to annoy you into submission, as well as calling your employer in order to shame you into paying. When these tactics don’t work, debt collectors often turn to threats of legal action, such as suing you, having you arrested, garnishing your wages, seizing your assets, or placing a lien on your home. In most cases, these are just empty threats intended to frighten and intimidate you.

One of the worst things debt collectors do is ruin your credit by reporting your debts as collection items to the credit bureaus. One little collection item can lower your credit score at least 100 points!

During my own financial troubles, I experienced all of these things first hand. An agent of Rubin and Rothman called me nearly every day. Because I didn’t understand how debt collectors think, I wasted a lot of time trying to reason with the agent and get him to understand that due to my severely limited finances, I simply couldn’t repay the $15,000 auto loan he was trying to collect from me.

Needless to say, the Rubin and Rothman agent didn’t care about my personal circumstances. My loan got reported to the credit bureaus, and soon my credit score began to drop. Naturally this upset me. I hated having bad credit following me around, overshadowing all of my efforts to make positive change in my life. To make matters worse, I was sure that Rubin and Rothman was trying to collect MORE than the amount of the original debt. Even accounting for interest, I just couldn’t figure out where they were getting their numbers from.

Although I didn’t know it at the time, there were quite a few actions that I could have taken against Rubin and Rothman.

The most important and effective action to take is to hire a professional. With professional help, you can take full advantage of your legal rights. Plus, debt collectors will actually LISTEN to a professional, while they will hardly even give an ordinary client the time of day!

Here are few of the ways you can fight back against debt collectors and repair your credit:

-Debt Validation. Under the laws of this country, the debt collector is responsible for proving the validity of any debt he attempts to collect. You don’t have to prove that you don’t owe the debt; they have to prove that you do! By beginning the debt validation process, you require the debt collector to prove their claims against you.

-Statute of limitations. Always investigate the statute of limitations in your state BEFORE you even think about paying on your debt. Some debt collection companies have been known to try to collect on expired debts. This is illegal! If the statute of limitations on your debt has expired, you are no longer responsible for that debt.

-Fair Credit Reporting Act. Debt collection companies are responsible for reporting only ACCURATE information about you to third parties. If they make a “mistake” when reporting your debt to the credit bureaus, it will be easy to get the resulting collection item wiped from your record.

-Fair Debt Collections Act. This is a really important part of your rights as a consumer. Remember all those legal threats your debt collector made? Well, it’s actually illegal for a debt collector to make such threats unless a) they actually intend to take you to court, and b) they could actually win the case against you and get permission carry out their threats. In most cases, suing you is simply not worth the trouble, and the debt collector never really intended to do so. In other cases, (such as an expired debt) there is no legal basis for suing you in the first place.

After researching all of the things I’ve mentioned, I felt a lot more hopeful about my situation. I realized that I didn’t just have to sit passively by while Rubin and Rothman reported incorrect debt amounts to the credit bureaus and ruined my credit.

I recognized that I would need professional help defending myself and disputing the debt and the collection item, so I hired Lexington Law.

Lexington Law is a credit repair service that’s been around since 1991. Each year, they help thousands of people repair their credit. In 2010, they removed over one million collection items for their clients!

I liked that Lexington Law had a proven track record and a wealth of experience in credit repair. I also liked that they offered a free phone consultation and a no-risk refund policy. I decided to call them.

After chatting with the Lexington Law representative, I knew I had found the solution to my credit problem. I hung up the phone confident that hiring Lexington Law was the best decision I’d made in a long time.

Within a short time, I started receiving more letters from the credit bureaus. This time the news was good–Lexington Law had gotten the Rubin and Rothman collection item deleted from my record! Plus, they also removed several other collection items and other negative marks from my credit history. With the negative items erased, my credit soon recovered back into the 700s.

I couldn’t have been happier with the results I got from Lexington Law credit repair service. My only regret is that I didn’t call them sooner!

If you’re living with damaged credit, don’t think you can just wait for it to recover on its own. That could take years. Why not call Lexington Law instead, and the let their friendly, experienced professionals repair your credit in just a few short months?

I hope that you can learn something from my story, and get inspired to take positive action in your life, get your credit repaired, and stop living in fear of debt collectors and bad credit.

You’ve got no reason to wait one minute longer! Call Lexington Law credit repair service today.